Recently, Huawei, the three major operators and other companies have entered the payment field. In the domestic mobile payment market, there have been hundreds of contending phenomena such as NFC payment, two-dimensional code payment, mobile card reader payment, operator phone bill payment, and POS machine payment.
Huawei has announced that it will provide a mobile payment platform for the new M-Pesa service launched by the telecom operator Vodafone in Romania. Eastcom Peace was selected as China Telecom's LTE (4G card) and NFC-SWP card supplier. In addition, US mobile payment company Boku is also negotiating with China's three major operators on the expansion of telephone bill payment cooperation.
In the mobile payment industry observer Zhang Tiancheng, in the mobile payment field as a whole, NFC mobile payment is difficult due to the integration of the industry chain, and the requirements for payment terminals including mobile phones and POS machines are high, and the development has been slow for many years; mobile card reader payment promotion The strength is weak, the square is mainly done in the world, mainly developed in the United States; the fee payment seems to be simple and easy, and the online payment is blank after all, and it faces the same security as the QR code payment. Troubled.
“The fastest growing and highest proportion is still the QR code payment. Compared with NFC mobile payment and mobile card reader payment, consumers have no cost at all; compared to the payment of the call fee, the QR code payment is still in the project stage. Alipay, Tencent and other Internet giants have been gaining first-mover advantage in the market for many years. Once the policy is clearly released after the safety is achieved, the QR code payment will further erupt." Zhang Tiancheng said.
At present, although the two-dimensional code payment has been suspended by the central bank due to possible security problems, Alipay and Tencent are still actively preparing for the field, including the introduction of two-dimensional code payment devices, competition for offline payment merchants, and increased promotion of platform users. The market competition savings power after the policy release.
Another person in the industry pointed out that the entire market for mobile payment has only just begun to emerge, and the situation of a hundred flowers is conducive to promoting the development of the entire market. Various mobile payments have their own advantages in terms of market foundation, security and convenience, and it is expected that the future will continue to be a situation in which each other complements each other and contends.
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